Wells Fargo vs Axos Bank

Wells Fargo is an a "big 4" bank with a good range of checking accounts and full services. How does it compare to Axos Bank? Read our comparison chart below.

Wells Fargo is one of America's largest banks with approximately 4,100 locations and more than 11,000 ATMs. Offers many checking options, including Everyday Checking and Clear Access Banking for those who have financial troubles. 24/7 customer service. Special CDs offers high rates with $5,000 minimum opening deposit.

While Axos Bank offers a range of checking and savings products. Checking options includes a up-to 1% cashback account and rewards checking account with a higher interest rate. Savings options include savings accounts and CDs with higher-than-average rates. All accounts have no monthly service fees.

Compare Wells Fargo with Axos Bank, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

	Wells Fargo	Axos Bank
	Member FDIC	Member FDIC
	Learn More	Learn More
	SPECIAL OFFER Personal Checking Account - $125 Bonus Read Wells Fargo Review	SPECIAL OFFER Rewards Checking - Up to 3.30% APY - Learn More Read Axos Bank Review
	Benefits and Features
Savings	0.01% APY. Minimum opening deposit of $25. Monthly service fee of $5, unless you maintain a minimum daily balance of $300, make 1 automatic transfer each fee period of $25 or more from a linked Wells Fargo checking account, make 1 automatic transfer each business day within the fee period of $1 or more from a linked Wells Fargo checking account, make 1 or more Save As You Go® transfers from a linked Wells Fargo checking account, or primary account owner is 24 years old or under.	0.61% APY (balances under $25k); 0.25% APY ($25K-$100K); 0.15% APY ($100k and over)
CD	Standard Fixed Term CD available online: 2.00% APY. Terms of 3 months to 1 year. Minimum deposit of $2,500. Relationship APY: 2.01% APY when you link a Wells Fargo Prime Checking, Premier Checking, or Private Bank Interest Checking account to the CD. More CD terms are available in branch.	0.20% APY. Terms of 3 months to 5 years. $1,000 minimum
Checking	Clear Access Banking, Everyday Checking, Prime Checking, Premier Checking	Rewards Checking: Up to 3.30% APY Cashback Checking: Up to 1% cashback
Money Market		0.25% APY
Mobile App	iOS & Android	iOS & Android
ATMs	11,000+ ATMs across the country	approximately 91,000 partner ATMs
Customer Service	Available 24 hours a day, 7 days a week.	24/7
IRA CD	Standard Term CD: 0.01% to 2.75% APY. Terms of 1 month to 144 months. Minimum deposit of $1,000. Relationship APY: 0.02% to 2.76% APY when you link a Wells Fargo Prime Checking, Premier Checking, or Private Bank Interest Checking account to the CD.
Locations	approximately 4,100 retail banking branches coast to coast	Online only
	CreditDonkey® Reviews

Savings
CD
Checking
Mobile App
Customer Service
Money Market
ATMs
Locations
Pros & Cons	Pros: Low requirements for Everyday Checking Full service bank 24/7 customer service Cons: Low savings rates Not in all states	Pros: Checking with rewards No monthly fee Domestic ATM rebates Cons: Low CD rates No physical branches
Bottom Line	A "big 4" bank with a good range of checking accounts and full services... Read full review	Full-service online bank with excellent cashback and interest checking... Read full review
	Learn More	Learn More
		Rewards Checking - Up to 3.30% APY Axos ONE - Earn up to 4.66% APY Basic Business Checking - Up to $400 Bonus
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Wells Fargo: Pricing information from the published website as of 05/09/2025 is based on the 91101 zip code. Axos Bank: Pricing information from published website as of 09/27/2024.

Member FDIC

Rewards Checking - Up to 3.30% APY

Get Deal

Build your own APY with up to 3.30% APY*
Zero monthly maintenance fees
Zero overdraft or NSF fees
Zero minimum monthly balance reqs
No initial deposit requirement
Unlimited domestic ATM fee reimbursements
Online debit card management
Simple, 3-step process for direct deposit

Member FDIC

Axos ONE - Earn up to 4.66% APY

Learn More

Earn up to 4.66% APY* on savings, and 0.51% APY* on checking when you meet requirements.
Get your money up to 2 days early.
No monthly maintenance, minimum balance, account opening, or overdraft fees.

Member FDIC

Basic Business Checking - Up to $400 Bonus

Get Deal

Expires 9/30/2025

Business owners get up to $400 welcome bonus!* Open a business checking account by September 30 and get up to $400 when you use promo code NEW400 on your application.*
No initial deposit requirement
No minimum balance requirement
No monthly maintenance fees
Free domestic incoming wires. Two (2) outgoing domestic wire fees reimbursed per month.
Unlimited domestic ATM fee reimbursements
Unlimited item processing (debits, credits, and deposited items)
Cash deposits via MoneyPass and AllPoint networks

Which is Better: Wells Fargo or Axos Bank?

Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing Wells Fargo or Bank of America.

In short: Axos Bank's savings is notable.

Articles on Wells Fargo

Wells Fargo Bank Review

Wells Fargo offers nationwide access with thousands of ATMs and branch locations. But are their checkings and savings accounts right for you? Read on to see the best options.